Budget recovery and repair from divergence

Abstract

A method may include accessing a financial account of a user to detect an expenditure. The method may include determining a category of the expenditure. The method may include determining whether the user has a financial goal pertaining to the category. The method may include generating a user interface, the user interface including a non-textual visualization pertaining to the financial goal. The method may include presenting the user interface on a computing device of the user.

1 . A computer-implemented method comprising:
 accessing a financial account of a user to detect an expenditure;   determining a category of the expenditure;   determining whether the user has a financial goal pertaining to the category;   identifying, for the user, a likely impact of the expenditure on at least one of the financial goal pertaining to the category or a second financial goal pertaining to a second category;   selecting a non-textual visualization pertaining to the financial goal based on the likely impact, the non-textual visualization configured to change when the likely impact changes, the non-textual visualization having a shape that is visually representative of the financial goal;   generating a user interface, the user interface including the non-textual visualization pertaining to the financial goal; and   presenting the user interface including the non-textual visualization on a computing device of the user.   
     
     
         2 . (canceled) 
     
     
         3 . The computer-implemented method of  claim 1 , wherein the visualization includes a graphic representing the category of the expenditure. 
     
     
         4 . The computer-implemented method of  claim 3 , wherein the graphic represents a percentage of a budget spent within the category of the expenditure. 
     
     
         5 . The computer-implemented method of  claim 3 , wherein the visualization includes animation. 
     
     
         6 . The computer-implemented method of  claim 3 , further comprising providing a textual indication proximate the visualization to indicate at least one of the category, a budget, or percentage of the budget used. 
     
     
         7 . The computer-implemented method of  claim 1 , further comprising providing a plurality of visualizations to represent a plurality of financial goals. 
     
     
         8 . The computer-implemented method of  claim 1 , wherein the visualization comprises a burndown chart. 
     
     
         9 . The computer-implemented method of  claim 1 , wherein the visualization comprises at least one graphical icon. 
     
     
         10 . The computer-implemented method of  claim 1 , further comprising:
 receiving a user input of at least one of a typical amount spent in an expenditure category, and a preferred budget for the expenditure category.   
     
     
         11 . The computer-implemented method of  claim 1 , further comprising:
 executing a machine learning algorithm to determine at least one of a typical amount spent in an expenditure category and a preferred budget for the expenditure category.   
     
     
         12 . A non-transitory computer-readable medium comprising instructions, which when executed by at least one processor, configure the at least one processor to perform operations comprising:
 accessing a financial account of a user to detect an expenditure;   determining a category of the expenditure;   determining whether the user has a financial goal pertaining to the category;   identifying, for the user, a likely impact of the expenditure on at least one of the financial goal pertaining to the category or a second financial goal pertaining to a second category;   selecting a non-textual visualization pertaining to the financial goal based on the likely impact, the non-textual visualization configured to change when the likely impact changes, the non-textual visualization having a shape that is visually representative of the financial goal;   generating a user interface, the user interface including the non-textual visualization pertaining to the financial goal; and   presenting the user interface including the non-textual visualization on a computing device of the user.   
     
     
         13 . The non-transitory computer-readable medium of  claim 12 ,
 wherein the visualization includes a graphic representing the category of the expenditure.   
     
     
         14 . The non-transitory computer-readable medium of  claim 13 , wherein the graphic represents a percentage of a budget spent within the category of the expenditure. 
     
     
         15 . The non-transitory computer-readable medium of  claim 12 , wherein operations further comprise: providing a plurality of visualizations to represent a plurality of financial goals. 
     
     
         16 . The non-transitory computer-readable medium of  claim 12 , wherein the operations further comprise receiving a user input of at least one of a typical amount spent in an expenditure category, and a preferred budget for the expenditure category. 
     
     
         17 . The non-transitory computer-readable medium of  claim 12 , wherein the operations further comprise:
 executing a machine learning algorithm to determine at least one of a typical amount spent in an expenditure category and a preferred budget for the expenditure category.   
     
     
         18 . A system comprising:
 at least one processor; and   a storage device comprising instructions, which when executed by the at least one processor, configure the at least one processor to perform operations comprising:   accessing a financial account of a user to detect an expenditure;   determining a category of the expenditure;   determining whether the user has a financial goal pertaining to the category;   identifying, for the user, a likely impact of the expenditure on at least one of the financial goal pertaining to the category or a second financial goal pertaining to a second category;   selecting a non-textual visualization pertaining to the financial goal based on the likely impact, the non-textual visualization configured to change when the likely impact changes, the non-textual visualization having a shape that is visually representative of the financial goal;   generating a user interface, the user interface including the non-textual visualization pertaining to the financial goal; and   presenting the user interface including the non-textual visualization on a computing device of the user.   
     
     
         19 . The system of  claim 18 ,
 wherein the visualization includes a graphic representing the category of the expenditure.   
     
     
         20 . The system of  claim 19 , wherein the graphic represents a percentage of a budget spent within the category of the expenditure.